hi all, during my 3years at uni i (stupidly) accepted the £1500 agreed overdraft interest free and now my account is subject to review because i have finished these three years - however . . . I recently had a baby so am now on maternity leave the bank have advised a £25.00 charge(monthly?????) for being over an agreed limit that they will set for the next year - if its £1500 that is less urgent but if not I will be charged !!! I tried to explain the fact that I have just had a baby and can not afford for them to take away £25.00 of my money each month on top of bills as I need that to pay for things for the baby !!! I have worked out my total dept it about £2500 all inclusive of credit card and store card and was looking to get a loan to pay it all off i am currently on an income of £800 a month so could afford monthly repayments totalling far less than im probably paying now ! Im unsure what sort of loan to get as due to an argument over a mobile contract i ellegidly signed the company has wrecked my credit rating !!! hence options are reduced. Im really unsure what to do and its really worrying me !! HELP!